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Collect each driver’s license number, VIN, annual mileage, primary use and any safety‑tech so quotes reflect your exact risk profile.
Keep all considerations like deductibles, liability limits and optional coverages identical so you’re comparing true price—not apples to oranges.
Check each insurer’s financial strength and complaint record—use AM Best, Moody’s or Demotech ratings and NAIC complaint indexes—to avoid carriers with shaky finances or poor claims service.
Have your driver’s license, VIN, current coverage declarations page and estimated annual mileage ready.
Experts recommend comparing quotes every 6–12 months or any time your circumstances—like moving or adding a driver—change.
No. Insurance quote inquiries are soft pulls and do not impact your credit rating.
Aim for at least two to five quotes to ensure you are seeing a competitive range of prices and coverage options.
Yes. You can cancel at any time and most companies will refund the unused premium, but confirm there are no cancellation fees.